FHA VS Conventional loan programs in 2025 for Ocilla, Irwin County, Georgia

In 2025, the Conventional loan limit for Ocilla in Irwin county, GA, is $726,200. Conversely, the FHA limit for a single-family house is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today’s leading rates across Conventional, FHA, and USDA programs, determining the required income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side illustration of Conforming Conventional, USDA, FHA, and VA loans, assisting you in selecting the best option in GA for your financial scenario.

Review and compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Specifications in Ocilla, Irwin, GA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table is applicable to zip codes: 31774

Available Conventional and FHA Loan Options in Ocilla, GA

The aim of Lendersa® is to promptly provide you with the best available Conventional, USDA, or FHA loan without any hassle. Choose one of the three starting options to identify matching lenders and loan packages.

Insights into USDA loan requests and results through Lendersa


  • Haus Capital Corporation
  • 383 Park Ave, Suite A, Rochester, NY, 14607
  • At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.
  • Glacier Hills Credit Union
  • 2150 S Main Street, West Bend, WI, 53095
  • We were founded in 1934 by employees of West Bend Aluminum Company to provide affordable access to financial services for employees. Much has changed in the financial arena since 1934, but the mission remains the same - People helping people to improve the financial well-being of each member.
  • Greater Texas Credit Union
  • 6411 North Lamar Boulevard, Austin, TX, 78758
  • Greater Texas Credit Union is proud to have been voted a "Top Workplace"​ every year since 2012. With over 200 employees spread out throughout Texas, our goal is to be a force for good in the communities we serve. To accomplish that goal, we value our employees and invest in them so they can meet the needs of our members.
  • United Heritage Credit Union
  • 12208 N Mopac Expy, Austin, TX, 78758
  • Headquartered in Austin, Texas, United Heritage CU serves the greater Austin and Tyler areas through twelve branch locations including Manchaca, Slaughter, Georgetown, Lakeway, Kyle and Tyler. Membership is open to anyone that lives, works or attends school within Travis, Williamson, Bastrop, Caldwell, Hays, Smith and Wood county.
  • Amplify Credit Union
  • 2800 Esperanza Crossing, Building 2, Austin, TX, 78758
  • Amplify Credit Union combines digital-first financial services with the emphasis on community you expect from your neighborhood credit union 1967 is a member-owned financial cooperative with more than 60, 000 members and almost $1 billion in assets. Our team lives and works in the communities we serve, making us the foremost experts.
  • 360 LENDING GROUP, LLC
  • 3100 Esperanza Crossing, Suite 6254, Austin, TX, 78758
  • 360 LENDING GROUP LLC IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE
  • The Port Austin State Bank
  • 62 East State Street, Port Austin, MI, 48467
  • The original Port Austin Bank building was built in 1884 by Richard Winsor and his associate, Horace G. Snover, to house their successful banking, law and insurance firm of Winsor & Snover. Both men were important factors in the political affairs of that period. Mr. Snover served as a probate judge and also as U.S. Representative.
  • Avestar Credit Union
  • 125 W Madison Street, Waterloo, WI, 53594
  • Avestar Credit Union is committed to providing its members sound and dependable financial service. We will provide loans to the community in a prudent and sound manner in accordance with our written policy. Our members will receive a fair and competitive return on their investments while we maintain the financial stability of the credit union.
  • Postal & Community CU
  • 3921 Oakland Avenue, Saint Joseph, MO, 64506
  • Postal & Community Credit Union have been providing great financial services to Northwest Missouri and Northeast Kansas residents for over 80 years. Postal and Community Credit Union recognizes the importance of a positive experience for everyone who visits our website, including those with disabilities.
  • Advance America
  • 3007 N Belt Hwy, Saint Joseph, MO, 64506
  • Advance America, we believe in better. We believe that setbacks are just opportunities for epic comebacks & we want to help make those comebacks happen.That’s why for the past 23+ years, Advance America has worked to become one of the nation’s leading providers of consumer financial services with online lending and over 1, 200 locations nationwide.
  • Family First of NY Federal Credit Union
  • 2520 Browncroft Boulevard, Rochester, NY, 14625
  • Family First Federal Credit Union is a full-service, local financial institution with over 15, 000 members that is guided by the principles of Sustainable Excellence. These principles apply to the care and service quality we provide to our members, our dedication to our staff and our responsibility to provide sound products and banking solutions.
  • First Federal Credit Union
  • 1035 N Center Point Rd, Hiawatha, IA, 52233
  • First Federal Credit Union was chartered in 1926. Since then, we have been serving our members in Linn County by providing them with community financial services to help families and businesses while holding ourselves to the highest standards. We have recently expanded to serve Benton county.